Jessica Fox Last Updated On: February 14, 2024

How to Get Affordable Car Insurance in Indiana

This is your fair warning that we’re starting off with a joke—bear with us!

Knock Knock!



Hoosier Who?

The Hoosier State! Aka Indiana!

The Hoosier State has all kinds of drivers, from home-grown locals to visitors, to new residents, to those just passing through. No matter which group you fall into, it’s important that you understand how Indiana car insurance operates so that you feel protected while on the road. 

After all, there were over 217,000 motor vehicle accidents in Indiana as of 2019. There is no doubt in our mind that car insurance was able to help each and every one of the drivers involved. So, keep reading to find out more about car insurance in Indiana, so that you don’t wind up a statistic. 

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Table of Contents

Indiana Car Insurance: The Basics

While the details vary between states, the basics of how car insurance works are consistent throughout the country. You, as the driver, pay your insurer a predetermined fee in the form of premiums. These can be paid on a monthly or yearly basis.  In return, the insurance company pays out claims when car accidents happen. The particular claims that are covered are set out in the insurance policy and help determine the cost of premiums.  The types of coverage you could receive on your car insurance include (but are not limited to):
  • Bodily injury liability
  • Property damage liability
  • Comprehensive 
  • Collision
What’s most important to understand is this: Car insurance is not optional!  Almost all states mandate that you must carry car insurance in order to drive. If having a financial safety net isn’t enough motivation for you to get car insurance, the law should be.

Legal Minimum Car Insurance in Indiana

Not everyone has the same needs or budget when shopping for car insurance, which is why insurance companies offer a wide range of policies.  That said, each state has a legal minimum insurance mandate. This legal minimum is the absolute least amount of coverage that all drivers are required to carry. Anything less is against the law. It is punishable by fines, license restrictions, and even jail time.  In Indiana, the legal minimum car insurance coverage is:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
The amounts above are the limits on the policy, meaning that your insurer will not pay a claim higher than the given amount for the given category. Accidents will often cost much more than these figures, which is why we recommend that everyone who is able to purchase additional auto insurance coverage.  Keep reading for more details on what that coverage might look like. 

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Underinsured/Uninsured Motorist Coverage

Underinsured or uninsured coverage is a type of additional coverage that drivers can have on their policy. If you get into an accident with someone who carries little to no insurance, your insurance company can help with the costs that the other driver’s policy should have covered. 

While some states include uninsured/underinsured motorist coverage in their legal minimum, the state of Indiana does not

According to Indiana law, all insurers must offer uninsured/underinsured motorist coverage, but you are legally able to opt out of this coverage in writing, should you choose to do so. 

Full Coverage Auto Insurance in Indiana

When you hear the term “full coverage policy,” this means that your auto insurance plan will have three kinds of coverage:

  1. Liability: Covers legal, bodily injury, and/or property damage fees incurred due to an at-fault accident.
  2. Collision: Covers damages to vehicles after an accident with another vehicle or an object like a telephone pole.
  3. Comprehensive: Covers damages to your own car that may not be caused by an accident such as weather damage, hitting an animal, theft, or vandalism.

Not only do most insurance experts recommend you carry full coverage insurance to be protected in a variety of circumstances, but you may actually be required to do so in certain cases. 

While the law only enforces that you carry the legal minimum, leased or financed vehicles usually require a full coverage policy. Naturally, the loaners don’t want to be left hanging should anything happen to the vehicle you have on loan or are financing. 

Average Price of Car Insurance in Indiana

Let’s get down to business: how much does car insurance actually cost for Indiana drivers?  You’ll be delighted to know that Indiana drivers pay less for insurance compared to the national average! Meaning that you’re more likely to save money on Indiana car insurance than some out-of-state competitors.  Before we give you the hard and fast figures, it’s important to note that the cost of car insurance depends on a variety of factors. Your premiums will fluctuate based on the following:
  • Age 
  • Driving experience
  • Driving history
  • Claims history 
  • Amount of Coverage 
  • Location/ZIP code 
  • Vehicle make/model 
  • Vehicle safety features
  • Insurance provider
Keeping that in mind, the average cost for car insurance in Indiana is $1,242 per year for a full coverage policy, over $500 below the national average. You can use this figure as a general baseline to gauge whether or not you’re finding a deal on automobile insurance. If it still seems too high, keep reading for ways to save on your car insurance. 

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Saving Money on Car Insurance

As important as it is to purchase insurance, we know it’s no one’s favorite thing to spend money on. There are plenty more enjoyable purchases you could make, such as hitting up a Pacers game or planning a trip to the Indianapolis motor speedway. We know it’s important to save on car insurance, so you can spend more on the things you love.  Follow these tips to significantly reduce the amount of money that you spend on car insurance: 
  • Maintain a clean driving history
  • Practice safe driving
  • Check if you qualify for discounts such as:
    • Bundling
    • Veterans
    • Loyalty
    • Claims free year
  • Reduce your mileage
  • Regularly compare quotes from multiple insurance companies
  • Consider zip codes with cheaper premiums, such as:
    • Williams
    • Bainbridge
    • Bloomfield
    • Bowling Green
  • Speak with an insurance agent for guidance
We care about informed consumers saving on insurance. These steps will help you reduce your car insurance costs now and down the line. 

How to Get Indiana Car Insurance Quotes

Now that you have a better idea of the coverage you need and the costs you can expect to pay, it’s time to start gathering quotes. After all, the open road is waiting!

Start by getting access to free quotes here, so that you can compare coverage and costs to make the right decision for your driving needs.

We’ve got you covered.

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required


Stay Up-to-Date
Subscribe to our newsletter and receive alerts, offers, education, and updates in your inbox.